100% match is nice. Don't sit on it till retire though. With inflation, your money might be worthless when you do retire n cash out on your 401k.
Depending on where you live, around here, a house can be had for 200k. You calculate when will it that you will get your 200k minus tax. You then buy that house and gives it to a property management company to collect rent and fix your house for you. If 100% match, that is like buying a house for half price.
Free money coming every month.
Rinse and repeat until you do retire at the age where they don't tax your 401k. Take it out n buy another house.
So now you are retired with 3 checks coming. 2 from your properties and one from Uncle Sam called social security benefits.
You'll be alright. You want to retire with income stream flowing from everywhere for not working. Live a good life till you die.